Public Joint Stock Company "SFI"

MISX:SFIN Stock Report

Market Cap: ₽30.2b

SFI Valuation

Is SFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of SFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: SFIN (RUB613.6) is trading above our estimate of fair value (RUB404.66)

Significantly Below Fair Value: SFIN is trading above our estimate of fair value.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for SFIN?

Key metric: As SFIN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for SFIN. This is calculated by dividing SFIN's market cap by their current earnings.
What is SFIN's PE Ratio?
PE Ratio8.8x
Earnings₽3.45b
Market Cap₽30.19b

Price to Earnings Ratio vs Peers

How does SFIN's PE Ratio compare to its peers?

The above table shows the PE ratio for SFIN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.5x
UCSS United Credit Systems
18.5xn/a₽16.7b
4081 Nayifat Finance
15.1xn/aر.س1.7b
FACIL Commercial Facilities CompanyK.P
9.2xn/aد.ك121.6m
ARZAN Arzan Financial Group for Financing and Investment - KPSC
15.1xn/aد.ك205.7m
8.8xn/a₽30.2b

Price-To-Earnings vs Peers: SFIN is good value based on its Price-To-Earnings Ratio (8.8x) compared to the peer average (11.4x).


Price to Earnings Ratio vs Industry

How does SFIN's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
SFIN 8.8xIndustry Avg. 9.3xNo. of Companies6PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: SFIN is expensive based on its Price-To-Earnings Ratio (8.8x) compared to the European Consumer Finance industry average (8.6x).


Price to Earnings Ratio vs Fair Ratio

What is SFIN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

SFIN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.8x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate SFIN's Price-To-Earnings Fair Ratio for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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